The course has been set, that's the way all banks are headed. Challenger banks like Revolut, N26, Bunq, ... are all very reliant on smart phone apps. Even if t

The course has been set, that's the way all banks are headed. Challenger banks like Revolut, N26, Bunq, ... are all very reliant on smart phone apps. Even if they have web interfaces, you can't log in without authenticating with the app Tangent: American banks might not be the best example here, given their reliance on ancient tech like signatures, paper checks and magnet strips. But they, too, will move in this direction.